Cedar Rapids Car Insurance

The Zebra
May 30, 2018

Car Insurance in Cedar Rapids

Premiums in Iowa, which fall below the national average by $412, are known for being low-cost. While premiums in the city are relatively low as well, if you are insuring a vehicle in Cedar Rapids, cutting costs is still crucial. Let’s take a look at how to save on car insurance in Cedar Rapids.

  • City Average: $963
  • State Average: $1,015
  • National Average: $1,427

Cedar Rapids Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can make the price of rates spike will help you make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. Typically, a DUI in Cedar Rapids will cost you 72% more in car insurance premiums versus the city average ($963). Reckless driving will also push your rates up, with average rates of $1,601. That is 66% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. For individuals in Cedar Rapids with at-fault accidents, car insurance is an average of $564 more per year.

  • DUI: $1,659
  • Reckless Driving: $1,601
  • At-fault Accident (damages less than $1000): $1,527
  • At-fault Accident (damages greater than $2000): $1,527
  • Speeding Ticket (16-20 mph over speed limit): $1,143

Cedar Rapids Car Insurance by Age

When drivers hit their 20s in Cedar Rapids, therefore moving out of the teenage age bracket, they can save $1,991, which is the biggest gap you'll see between any age group. While car insurance premiums for drivers in Cedar Rapids will continue to drop through their 50s, they should anticipate an increase when they hit 60. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $811. Those in their 60s ($837) also have relatively low premiums. Teenage drivers have the most expensive rates amongst all the age groups, with typical car insurance payments of $3,352.

  • Teenagers: $3,352
  • 20s: $1,360
  • 30s: $947
  • 40s: $903
  • 50s: $811
  • 60s: $837
  • 70s: $1,013

Compare over 200 insurance companies at once!

Location pin icon
Your information is secure.

Cedar Rapids Car Insurance by Credit Rating

Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of almost twice as much on premiums than those in the top credit tier (800-850). Drivers can save around $255 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $1,625
  • Fair: $1,370
  • Good: $1,159
  • Very Good: $1,002
  • Exceptional: $864

Cedar Rapids Car Insurance by Gender and Marital Status

Quite a few driver characteristics, including gender and marital status, play a role in car insurance premiums in Cedar Rapids. However, males have premiums that are only a little more costly than those for females. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single can cost you around 7% more per year compared to being married.

  • Female: $961
  • Male: $963
  • Single: $963
  • Married: $903
  • Divorced: $963
  • Widowed: $946